The latest data point for UPST's EPS Surprise % in Q4'25 stands at -0.02%, indicating a slight underperformance relative to analyst expectations following a period of modest positive surprises. Meanwhile, the EPS Growth (YoY) for the same quarter reached 10.5%, reflecting robust year-over-year earnings expansion despite the minor surprise miss. Over the period from Q1'23 to Q4'25, EPS Surprise % exhibited high volatility, starting with a significant miss of -42.7% in Q1'23, improving to a positive 2.1% in Q3'23, before fluctuating between minor misses and gains, culminating in a sharp -7.5% drop in Q4'24 and a recovery to positive territory in 2025 quarters. In contrast, EPS Growth (YoY) showed a clear upward trend, progressing from a -505.1% contraction in Q1'23 to consistent positive growth by Q1'24, with acceleration to over 5.7% in Q3'25 and peaking at 10.5% in Q4'25, underscoring improving profitability amid ongoing surprise variability.